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Indiana Car Insurance

Purchasing Indiana car insurance requires research and comparing multiple companies to find a good price and appropriate coverage.  You must understand the limits required as well as the coverage that will work best for your vehicle.  Below you will find some ways to save money on your auto insurance in Indiana, and an explanation of the basics of this important protection.

Indiana Car Insurance State Requirements

Each state requires different coverage and limits for each corresponding coverage.  Here are the minimum coverage requirements for Indiana:

  • Property Damage:  $10,000
  • Bodily Injury:  $25,000 per person/$50,000 per occurrence

Uninsured and under-insured coverage is required on all new policies.  However, the owner of the policy may reject this coverage in writing if they don’t want it on the policy.

  • Uninsured Bodily Injury:  $25,000 per person/$50,000 per occurrence
  • Under-insured Bodily Injury:  $50,000
  • Uninsured Property Damage:  $10,000

Indiana Auto Insurance Essentials

Before diving right into getting quotes, it is essential that you understand the basics of car insurance in Indiana.  You already know what is required by the state, but here are some brief explanations of what that coverage provides:

  • Collision:  Protection in case you cause an accident.  This coverage is for repairs to your vehicle.

  • Comprehensive:  This covers a lot of the biggies. For instance, your comprehensive should cover vandalism against your vehicle. It should also provide protection against acts of nature like hail storms or damage to glass during a storm.

  • Uninsured/Under-insured BI:  This covers you and your passengers when involved in a not at-fault accident when the other vehicle’s driver does not carry insurance or enough insurance to cover the medical attention necessary.

  • Uninsured PD:  Again, this covers the situation in which it was a not at-fault accident but the driver didn’t have insurance.  This coverage will fall into place to cover damage to your vehicle.

  • Bodily Injury:  In case you cause an accident, this will cover the medical attention to the other vehicle’s driver and passengers.

  • Property Damage:  In the instance of an at-fault accident, this pays for the repairs to the other vehicle or resulting property damage.

  • Medical Payments:  In an at-fault accident, this will provide payments for medical attention to you and your passengers.

Indiana Car Insurance Discounts

The discounts offered by different IN auto insurance carriers will vary, but there are certain discounts that you should still inquire about before deciding which company to insure your vehicle on.  Here are some discounts to watch out for:

  1. Good driving discount:  This discount is based on your personal driving history.  Different companies evaluate it based off certain number of years (usually between 3 and 5) that they want you to be accident/ticket free to qualify for this discount.
  2. Good student discount:  Good news parents!  To take the edge off the premium increase from a new driver, there is a discount for students with a 3.0 GPA or better.  Check with your company for the qualifications and keep in mind that many will require proof (usually some type of report card or transcript).
  3. Multi-vehicle discount:  Frequently, people will keep vehicles on separate policies.  The benefit of combining these into one policy is obviously the discount!  The idea behind this is that if you have 1 driver to 2 vehicles, they can’t both be used at the same time, thus the discount.
  4. Multi-line discount:  Here is a reason to combine all your eggs into one basket!  By insuring your home and auto under the same company, you may be eligible to receive a discount on both policies.
  5. Anti-theft discount:  Most vehicles these days come with some type of alarm system to protect from vandalism or theft.  This is a small discount, but every bit counts.
  6. Car safety discount:  By driving a car with airbags, you are eligible for a potential discount.
  7. Customer loyalty discount:  This one may not apply as you are obviously looking to switch insurance companies or for new insurance.  However, once you find the best company, stick with them!  Most begin to offer discounts after 3 years for customer loyalty.

These are just a few of the discounts offered in Indiana.  Be sure to ask the company you choose if there are any additional discounts.  With gas prices as high as they are, it never hurts to ask.

Compare Indiana Car Insurance Quotes Today!

After reading over our web page, you are ready to begin your search for better and cheaper Indiana car insurance.  Use our free search tools to find and compare free Indiana auto insurance quotes online now!

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